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Dear Cooperator, We are in the last quarter of the year. This year Balance sheet management and bottom line (Profit) improvement seems tough. As a result and as assured in January 22,I present my ideas of Balance sheet management within given constraints. This video is for small and midsize UCBs and in 2 parts. Today posting Part 1.Take it with pinch of salt and your banks risk appetite. This video is in Hindi/English and posted under the series "My Views" on YouTube which is about contemporary issues and perspectives impacting the UCBs. My Attempt is to help the Ucbs with some clarity out of clutter and help them in shaping strategic actions.And thats it to it. This video is on topic "Balance Sheet and Profit management Part 1". Please do share with your cooperative banking colleagues. And do subscribe to my channel to get instant alert for new informative videos on subjects affecting/impacting UCBs. You can email your queries at my email: [email protected]